FICO to incorporate buy-now-pay-later loans into credit scores

However, instead of using it to buy or construct a machine to triple what you can produce in an hour, the average person is using it to delay having to work that hour at all, in exchange for having to work an hour and six minutes sometime later.

At some point, you run out of hours available and the house of cards collapses.

i.e., credit can buy time in the nearly literal sense, you can do an hour's work in half an hour because the money facilitates it, meaning you can now make more money. If instead of investing in work you're spending on play, then you end up with a time deficit.

or, e.g. you can buy 3 franchises in 3 months instead of 3 years (i.e. income from the 1 franchise), trading credit for time to make more money, instead of burning it. It'd have been nice had they taught me this in school.

The "average person" is told from birth to consume as many things and experiences as possible as it if was the only thing that could give their life a meaning. The entire system is based on growth and consumption, I have a hard time blaming "the average person"

It's quite frankly ludicrous to be a software engineer and pretend systems don't arise from "individual" "independent" elements.

Some programming languages explicitly require UTF-8 in the language specification. Java is not one of them.

    The Java language allows source code to express Unicode
    characters in a UTF-16 encoding, and this is unaffected
    by the choice of UTF-8 for the default charset.

Not that such a change to the language for future code, even if only hypothetical, would bear any difference to this discussion anyway as legacy Java code encoded in other charsets is still Java code.